Credit Cards»Upgrade Credit Cards»Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®See Rates & Fees
Partner Offer

Upgrade Cash Rewards Visa®

Our rating:3.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Fair to Good credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply now at Upgrade's secure site
Reward Rates
1.5%Earn 1.5% unlimited cash back on card purchases every time you make a payment
Balance Transfers Intro APR
Purchases Intro APR
Regular APR
14.99% - 29.99% APR
Annual Fee


  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer.


  • Cash Back
    Cash Back
  • Low Interest
    Low Interest
  • No Annual Fee
    No Annual Fee
  • Visa

Staff Review

Editor's Rating:

3.0 out of 5

Our take: Since it rewards payments via cash back and automatically puts your balance into an installment plan at the end of the month, the Upgrade Card helps you keep your interest payments – and your overall credit card balance – in check.

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.